Equifax Credit Reporting Phone Numbers
2010
How do I get hold of Equifax, TransUnion, and Experian?
I have some a few things on my credit that should not be there and I have proof that they have been paid off way before they were sent into the credit bureaus. But wen I get hold of the companies that have sent in the info, NONE of them claim that they sent the info in and they claim they cant fix it. Both the Bank of America AND the collections agency they sent the info to are claiming the same thing.
I need this stuff off my credit to get a loan for school and I cant find anything on the net.
every fax number is wrong and all the phone numbers go to an automated machine to get my credit report.
I need to talk to a real person to find out how to fix this. Does anybody know a number or ANYTHING I can use to get this stuff fixed?
Forget about talking to a person. That is not the fastest way to deal with disputing items on your credit report. Not only will you sit on hold for hours, but the people answering will just take a message — a very condensed version of your problem which is likely to be misintrepreted.
You can file a dispte with each credit bureau online or mail your dispute (you will need to send a copy of your SS card, driver’s license, and a current utility bill to prove your ID). The credit bureau will respond in writing within 45 days, no matter how you file the dispute.
Keep in mind that paying off defaulted debt does not get it removed. The debt should show as paid. If you paid a collection agency, even if it was before the report date, that debt would be legitimately reported as long as they showed it as paid now.
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